Revenue-Based Financing
Capital repaid as a fixed percentage of monthly revenue. Payments flex with your sales.
- $10K–$500K
- Repayment scales with revenue
- Factor rate pricing, not APR
- Best for: businesses with variable but consistent sales
WESTVALVE FINANCIAL • REVENUE-BASED FINANCING
Revenue-Based & Alternative Financing for Small Business.
Alternative commercial financing structures for businesses with qualifying revenue profiles. Repayment that scales with your sales, underwritten primarily on cash flow.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALREVENUE-BASED FINANCING
REPAYMENT TIED TO SALES
Capital that moves with your cash flow.
Strong month, higher payment. Slower month, lower payment. Revenue-based financing is built around how your business actually earns.
HOW IT WORKS
Underwritten on cash flow, not just credit.
Revenue-based and alternative financing structures are typically evaluated on your business's actual sales and bank activity rather than credit score alone. This can make them accessible to newer businesses or those who don't qualify for a traditional bank loan. We help you compare structures and understand the true cost before you decide.
Merchant Cash Advance
An advance against future card sales, repaid via a fixed daily or weekly withholding.
- $5K–$500K
- Daily or weekly repayment
- Fast approval, based on card sales volume
- Best for: businesses with steady card transactions
Invoice Factoring
Sell unpaid invoices for immediate cash, rather than waiting on customer payment terms.
- $10K–$5M (based on invoice volume)
- Advance rate typically 80-90% of invoice
- Repaid when customer pays
- Best for: B2B businesses with slow-paying clients
Asset-Based Lending
A credit line secured by business assets like inventory, receivables, or equipment.
- $50K–$5M
- Revolving or term structure
- Secured by qualifying assets
- Best for: asset-rich businesses needing flexible capital
HOW TO CHOOSE
Match the structure to your revenue pattern.
01
Sales vary month to month?
Revenue-based financing — payments scale with what you actually bring in.
02
Mostly card transactions?
Merchant cash advance — repayment tied directly to card sales.
03
Waiting on B2B invoices?
Invoice factoring — get paid now instead of waiting on your customers.
04
Have valuable assets?
Asset-based lending — a flexible credit line secured by what you already own.
REQUIREMENTS
What you need to qualify.
Revenue-Based Financing
- Credit: 500+
- Time in business: 6+ months
- Revenue: $10K+ monthly
- Speed: 24-72 hours
Merchant Cash Advance
- Credit: 500+
- Time in business: 4+ months
- Consistent card sales volume
- Speed: 24-48 hours
Invoice Factoring
- Credit: Less emphasis
- B2B invoices to creditworthy clients
- Time in business: Varies by provider
- Speed: 1-5 days
Documents Needed
- 3-6 months bank statements
- Recent revenue/sales reports
- Outstanding invoices (for factoring)
- Business license or formation docs
INDUSTRIES WE SERVE
Alternative financing for your industry.
Retail
Restaurants
E-commerce
Professional Services
Construction
Transportation
Wholesale & Distribution
Healthcare
Salons & Personal Care
Staffing Agencies
Manufacturing
Other U.S. Businesses
GET STARTED
Let's find your alternative financing solution.
Tell us about your business and your revenue pattern. We'll match you with the right structure and provider — no obligation.
FAQ
Questions about revenue-based financing.
What is revenue-based financing?
Revenue-based financing provides upfront capital repaid as a fixed percentage of your business's future sales, rather than fixed monthly payments. Repayment scales with revenue — you pay more when sales are strong, less when they're slower. It's typically underwritten on cash flow rather than credit score alone.
How is revenue-based financing different from a merchant cash advance?
The two are similar and sometimes used interchangeably, but merchant cash advances are technically a purchase of future receivables, often with daily or weekly withholding from card sales, while revenue-based financing more broadly includes structures repaid as a percentage of overall revenue, not just card transactions. Terms, costs, and repayment mechanics vary significantly by provider — compare the total cost, not just the label.
What businesses qualify for revenue-based financing?
This is generally accessible to businesses with consistent monthly revenue, even with limited time in business or below-average credit, since underwriting focuses primarily on cash flow rather than credit history. Businesses with predictable, recurring sales (retail, e-commerce, service businesses) are common fits.
How fast is revenue-based financing funded?
Often within 24-72 hours of approval, since underwriting is based primarily on bank statements and revenue history rather than extensive documentation. This is typically one of the fastest financing options available.
Is revenue-based financing more expensive than a traditional loan?
It's generally priced using a factor rate rather than an APR, and the effective cost is often higher than a traditional bank loan or SBA loan — reflecting faster funding, less stringent credit requirements, and revenue-based (rather than fixed) repayment. Compare the total repayment amount and effective cost across providers before deciding, not just the speed of funding.